#david2_docs
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carmine sierra
Hello, Financial Connections is a separate Product that is related to US Bank Accounts: https://docs.stripe.com/financial-connections
tall prawn
yes, I understand that. My question is what does "us_bank_account.financial_connections_account can be null or a string" mean in the null case. Is it valid that a us_bank_account payment method has a null financial_connections_account?
carmine sierra
Yes if it wasn't created via Financial Connections.
So for instance you can create a US Bank Account PaymentMethod if you just have the customer's account/routing numbers
Or if they enter their details manually instead of going through Connections.
tall prawn
oh wow, every doc I read about ACH payments seems to assume financial connections. I guess I will read up on alternative mechanisms to link a US Bank Account. thanks
carmine sierra
Financial Connections is the easiest and recommended integration.
So yes, the docs will indicate that.
What are you really trying to do here?
tall prawn
I wanted to know if a payment method is still "pending microdeposits".
carmine sierra
That is based on the PaymentIntent/SetupIntent's status.
Not the PaymentMethod itself.
tall prawn
ah, OK. looking into that.
does a financial connections object having been created always mean that it was done so via "instant bank account verification" (at the cost of $1.50)? Or there are other ways for a financial connections object to be generated.
carmine sierra
I believe that is correct, yes.